Citizens BankCash BackRegistry illustration · issuer artwork unavailable

Cash BackCitizens Bank · NM bank, MS · FDIC 324

CurrentLast observed Oct 3, 2026Source date Oct 3, 2026Official issuerCredit card · Consumer

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

$35

a year

Foreign fee

—

Grace period

Not disclosed

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	Not disclosed	no source read
Annual fee	$35, $35 Annual FeeCitizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	“$35 Annual Fee”Citizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Cash back	1% cash back. Payment timing is not disclosed. Earn 1% cash back on every dollar you spend and enjoy no cap on cash backCitizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	“Earn 1% cash back on every dollar you spend and enjoy no cap on cash back”Citizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	Website
Cashback qualificationsCash back	The Personal Credit Card lets you choose between a full 1% cash back, with no limit on rewards for qualifying purchases, or the buying power of Platinum benefits. *Credit Cards are issued by Citizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	“The Personal Credit Card lets you choose between a full 1% cash back, with no limit on rewards for qualifying purchases, or the buying power of Platinum benefits. *Credit Cards are issued by”Citizens Bank · Page Capture Oct 3, 2026 · Captured Oct 3, 2026	Website

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“$35 Annual Fee”
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“Earn 1% cash back on every dollar you spend and enjoy no cap on cash back”
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“The Personal Credit Card lets you choose between a full 1% cash back, with no limit on rewards for qualifying purchases, or the buying power of Platinum benefits. *Credit Cards are issued by”
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“APPLY ONLINE”
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“Annual Percentage Rate (APR) based on Wall Street Prime Rate”
Additional source detail; structured values remain unknown. The page names Wall Street Prime as the APR basis without a numeric rate, margin or transaction purpose.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“0% intro Annual Percentage Rate (APR) for the first 7 billing cycles after account opening”
Additional source detail; structured values remain unknown. Zero introductory APR lasts seven billing cycles after opening, without an explicit transaction purpose; it cannot become purchase or transfer APR.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“No spending tiers or minimums”
Additional source detail; structured values remain unknown. The source states no spending tiers or minimums without defining an opening deposit or credit limit.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“The Personal Credit Card lets you choose between a full 1% cash back, with no limit on rewards for qualifying purchases, or the buying power of Platinum benefits. *Credit Cards are issued by”
Additional source detail; structured values remain unknown. This exact primary statement introduces the separately quoted ServisFirst Bank issuer name and the two card choices.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“ServisFirst Bank”
Additional source detail; structured values remain unknown. The primary statement identifies ServisFirst Bank as the credit-card issuer.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“*ServisFirst Bank”
Additional source detail; structured values remain unknown. The underwriting statement names ServisFirst Bank in this separate source fragment.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“is the credit card issuer. All applications are subject to”
Additional source detail; structured values remain unknown. The source identifies the issuer and introduces its application condition in this exact fragment.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“ServisFirst Bank's”
Additional source detail; structured values remain unknown. The separate possessive name identifies whose underwriting guidelines apply.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“underwriting guidelines. Citizens Bank does not facilitate the credit decision process and is not responsible for credit decisions. If you have any questions or concerns, feel free to contact”
Additional source detail; structured values remain unknown. The page subjects applications to issuer underwriting and states Citizens Bank does not make or facilitate the credit decision. The condition spans separate quoted fragments; full eligibility terms remain undisclosed.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“Visa® Zero Liability”
Additional source detail; structured values remain unknown. A Visa policy label alone does not establish either card option’s network.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“You only pay for purchases you have authorized on your card. Unauthorized purchases are NOT your responsibility.”
Additional source detail; structured values remain unknown. The page describes responsibility for authorized and unauthorized purchases, without a reward amount.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“The Visa® Zero liability policy covers U.S. issued cards only and does not apply to certain commercial card transactions or any transactions not processed by Visa®. Cardholder must call Card Services at”
Additional source detail; structured values remain unknown. The Visa policy has jurisdiction and transaction exclusions and a notification condition; no network or cash reward is inferred.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“Earn 1% cash back on every dollar you spend and enjoy no cap on cash back”
Additional source detail; structured values remain unknown. The advertised one-percent earning has no cash-back cap; payment timing and detailed reward exclusions remain undisclosed.
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026 · record official-issuer:page:url:9dc225bb9f1313c7c52e662671531ba4a39f8d903c87c762a952c747fab64578
“Cash Back”
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Citizens Bank
Page Capture Oct 3, 2026 · Captured Oct 3, 2026
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History

dates on sources or when they were captured

Oct 3, 2026: Annual fee, Balance transfer terms, Card terms, Cash back, Issuer link

Offered through: Citizens Bank
Legal issuer: ServisFirst Bank
Regulator: FDIC certificate 324
Branches: 8 in MS
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Cash BackCitizens Bank · NM bank, MS · FDIC 324

Rates and fees